AXA WiseGuard Pro Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00034-07-000-05. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$16,510 |
| 45 | HK$24,473 |
| 60 | HK$50,858 |
| 75 | HK$117,520 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$30,000,000 |
| Lifetime limit | None |
| Room and board | Paid in full |
| Hospital charges | Paid in full |
| Doctor's visits | Paid in full |
| Specialist fees | Paid in full |
| Intensive care | Paid in full |
| Surgeon's fee | Paid in full |
| Anaesthetist | Paid in full |
| Operating theatre | Paid in full |
| Diagnostic imaging | Paid in full |
| Non-surgical cancer treatment | Paid in full |
| Outpatient before and after | Paid in full |
| Psychiatric treatment | HK$30,000 |
Also includes outpatient general, dental, home nursing, a companion bed, hospital cash, kidney dialysis, reconstructive surgery, a death benefit.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | 100 p.14 |
|---|---|
| Pre-existing conditions unknown at application | 100% from year 1 p.20 |
| Waiting period | 1 year for Compassionate Death Benefit in case of suicide p.11 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period p.5 |
| Switching from another plan | Switching to another plan with upgraded benefits requires re-underwriting for the upgraded benefits; switching to another plan with downgraded benefits does not require re-underwriting but is subject to company discretion. Upgrade to Noble without re-underwriting is possible once per lifetime under specific conditions. p.13 |
| Room class | Standard Private Room p.38 |
| If a higher room is used | 0% if a ward class higher than Standard Private Room is used p.33 |
| Geographical cover | Asia (including Australia and New Zealand) p.38 |
| Psychiatric treatment area | Hong Kong and Macau only p.38 |
| Emergency treatment abroad | Covered worldwide, subject to annual limit p.32 |
| Full cover on core benefits | yes p.38 |
| Annual limit | 30000000 p.38 |
| Lifetime limit | none p.38 |
| Deductible options | 0, 20000, 50000 p.41 |
| How the deductible applies | Per policy year; can be removed or decreased without re-underwriting at age 55 and every 5 years thereafter, once per lifetime p.25 |
| Coinsurance | none p.24 |
| Pre-admission outpatient | 1 visit more than 30 days before admission, all visits within 30 days before admission, full cover p.38 |
| Post-discharge outpatient | All visits within 90 days after discharge/Day Case Procedure, or 180 days after discharge for major/complex surgery, full cover p.38 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.39 |
| Diagnostic imaging coinsurance | none p.38 |
| Non-surgical cancer treatment | full cover p.38 |
| Kidney dialysis | Full cover for regular haemodialysis or peritoneal dialysis for Chronic and Irreversible Kidney Failure p.36 |
| Day case procedures | Covered as in-patient, full cover p.16 |
| Home nursing | Full cover for home nursing services by 1 Qualified Nurse per day for a maximum of 90 days per Policy Year, within 90 days after discharge/Day Case Procedure p.36 |
| Hospice care | none p.26 |
| Chinese medicine | none p.23 |
| Physiotherapy | Maximum 3 visits per Confinement/Day Case Procedure under item (k), then $10,000 per Policy Year if item (k) is exhausted, within 90 days after discharge/Day Case Procedure p.38 |
| Congenital conditions | Covered from age 8 p.23 |
| Pregnancy complications | none p.22 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.22 |
| Hospital cash | HKD 2,000 per day for using a lower ward class in Hong Kong and Macau, maximum 10 days per Confinement p.42 |
| Companion bed | Full cover for the cost of an extra bed for one companion, excluding guest meals p.35 |
| Direct billing and pre-authorisation | Pre-authorisation for claimable amount estimate available p.15 |
| No-claim discount | Yes, 5% for 3 claim-free years, 10% for 4, 15% for 5 or more p.44 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.22 |
At a constant age of 45, AXA has filed 2 schedule changes on this plan since 2021, an average of +2.1% a year, taking the premium from HK$21,017 to HK$24,473.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | no change |
| 2024 | +3.5% |
| 2025 | +12.5% |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.